VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

All the wsb stocks are pretty badly hit in the after hour action. More speed to the retail investors tomorrow

Hello, is there anyone here that can recommend ways to make money as a notary public?
Thanks

The threat of nuclear bombs flying over cities should crash the real estate market

Is Carvana legit? I've never seen any reviews just a hundred commercials. I could google this but wanted to know if anyone in here sold through them successfully. Thinking of selling my Benz E350, 2013. Let me know.

Didn’t realize crypto had MLK Jr sales too! 🤑💰

where is the best place to sell or trade in my used car? (2019 van low km’s)

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Should I be putting my $ somewhere else other than my bank account to save for a house?

I am new to DI...can someone please tell me is it mandatory to claim telephone and LTA...can't we change it to taxable component ? Because I need more In hand

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

Any real estate experts in the house? Thinking of making a move to Miami from Jacksonville. Jacksonville real estate is still pretty inflated and hasn’t really come down much. Is real estate in Miami following the same pattern? Or is it expected to deflate with high interest rates?

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

So wanna run something by you all. Looking at insurance plans. There are 4 plans that allow an HSA. 3 of the 4 are identical.
500 firm contribution to HSA = ~21/ pay period. Add that to lowest HSA premium plan. It still comes out lower than the out 3 plans. So what am I missing?

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

What do you guys think about future of NFTs on smaller chains? Thinking primarily about Avax and SOL. Do you they think will blow as well when people understands there are alternatives to high gas fees on ETH? Or will everyone stay on ETH because there where the mainstream is?

What is the most you can make in life science strategy consultant without bringing in new clients / selling projects?

ZS 🐠 - can you receive sponsorship for MBA prior to having tenure of 3 years? If not, what is the downside of applying after 1 or 2 years? I am coming in with 3+ YOE in consulting, so my application would be competitive for next fall (or ‘23)

What's your "I'm in Finance stereotype" moment?

Are there any expats here?

Anyone trade stocks on the side? Not at a day trading level, but not buy-and-hold either...more like aim to hold 5-10 stocks at a time for 1-2 months and earn a decent short-term profit (10-15%).

To my writers/content creators and alike, how much do you charge to write content for someone? And do you charge them hourly or by cents per word? I’ve been offered a small contract for 10 hours per week and not sure what my rate should be or how I should set it up

How long does it takes to get the offer letter post HR discussion ? My HR discussion is done 1 week ago and current status is offer approval.

Constantly homesick, has been going on since I moved. Any tips to help get over it?

Hi

I got an offer from accenture 8lpa fixed 1.68 variable n the position is level 11.
Now i have better offers from pwc n kpmg
10lpa fixed.
Will accenture increase their offer. They wer not even ready to go till 8.5 last time. But now i have other offers in hand. Is it possible to go back and ask for improved offer n position even though i have accepted the old 8lpa offer from accenture 1 month back.

Hello Fishes,


My YOE is 5.3 and I am holding around 24 lpa offer now TCS has started my visa processing for uk.I have an query that, should i stay in tcs and go onsite or go with other companies.

Thanks for your valuable feedback in advance.
Currently i am getting 8 lpa from TCS.

What is the salary range for a Principal Consultant and Senior Principal Consultant at Oracle?

I am unable to log into the ionboard portal. Anyone facing the same issue. Please let me know.

Reached theoretical financial freedom (4% of networth covers 120% of my yearly spending)
What should I do?
-Motivation to grind at BCG is not here anymore and honestly the experience here was underwhelming (~1y as a C, lateralled from other firm)
-Still too risky to open own lifestyle business
-Option to exit to industry for a few years at a 9-6 job?
-Option to do some side hustles?

Anything I should consider when making my decision? Any risks I haven't foreseen?

Thanks!

Can someone help me understand the advantage of Backdoor IRA. In my case, I don’t think My taxes will be higher in retirement than they are right now (32% tax bracket currently)

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

Other than Fidelity, what's the best brokerage account out there? Looking for something visual that allows fractional shares and portfolio insights.

If I’m selling stock to make the down payment for my primary residence house, is there any way I can limit or avoid some capital gain tax?

Would you cash out refi a rental property to buy another rental property?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

I moved from NY to CA about halfway through 2020. Do I have to claim half the year in CA in my taxes? It’s a temporary move so hoping I don’t have to (but my drivers license and mailing address are now CA). Any advice is appreciated!

Does anyone follow the 3-fund portfolio? If so, could you share your 3?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Recommendations for a Roth IRA?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Are we headed for the long overdue crash/correction - red everywhere 👀

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

Hello all!

Am I correct in my understanding that:

Over a certain income ($76k as of 2021), a single person CANNOT make tax-free contributions to a traditional IRA if you have a workplace retirement plan?

In my example, I have a work 401k, and my adjusted gross income is over (or just about hovering) at the 76k limit. This means I can't make pre-tax contributions to a traditional IRA, so I should just go for a Roth?